Strike Bitcoin loans remove margin calls, add 14% APR trade-off

cryptonews13:49

Strike has launched a Bitcoin-backed loan product built to remove margin calls and price-based liquidations. Summary Strike says its new Bitcoin-backed loans remove price liquidations while ...

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He described the offer as a “volatility-proof” loan that lets users borrow dollars while keeping their BTC posted as collateral.Strike’s standard loan product has charged rates between 7.75% and 11.25%, depending on terms and payment choice. The “volatility-proof” version also uses a shorter six-month term and a maximum initial loan-to-value ratio of 45%.Mallers said the added cost supports hedging. “The secret sauce is that we’re taking the extra charge that we’re giving you gu","collect":0,"end_time":0,"defaultTopTitle":"crypto.news","property":[],"viewcount":null,"language":"en","relate_stocks":{"09042":"华夏比特币-U","BTCZ":"T-Rex 2X Inverse Bitcoin Daily Target ETF","YBTC":"比特币看涨期权ETF-Roundhill","BITI":"1倍做空比特币期货ETF-Proshares","BEGS":"RAREVIEW 2X BULL CRYPTOCURRENCY & PRECIOUS METALS ETF","HODL":"比特币ETF-VanEck","STCE":"Schwab Crypto Thematic ETF","GDLC":"Grayscale CoinDesk Crypto 5 ETF","NCIQ":"HASHDEX NASDAQ CRYPTO INDEX US ETF","WGMI":"比特币矿商ETF-CoinShares","CBTJ":"Calamos Bitcoin 80 Series Structured Alt Protection ETF - January","FBTC":"比特币ETF-Fidelity","BTF":"比特币&以太币期货ETF-CoinShares","BITQ":"Bitwise Crypto Industry Innovators ETF","LFGY":"YieldMax Crypto Industry and Tech Portfolio Option Income ETF","BTCI":"NEOS Bitcoin High Income ETF","BTFX":"比特币期货ETF-CoinShares","09439":"嘉实比特币-U","09008":"博时比特币-U","BTGD":"STKD Bitcoin & Gold ETF","ARKB":"比特币ETF-21Shares","BRRR":"比特币ETF-CoinShares","BTCL":"T-REX 2X LONG BITCOIN DAILY TARGET ETF","BKCH":"AdvisorShares Sabretooth ETF","03042":"华夏比特币","BITW":"Bitwise 10 Crypto Index ETF","IBIT":"比特币ETF-iShares","ARKY":"ARK 21SHARES ACTIVE BITCOIN ETHEREUM STRATEGY ETF","MNRS":"GRAYSCALE BITCOIN MINERS ETF","BTCO":"比特币ETF-Invesco Galaxy","MSBT":"Morgan Stanley Bitcoin Trust ETP","03008":"博时比特币","BITX":"2倍比特币期货ETF-Volatility Shares","DAPP":"VanEck Digital Transformation ETF","YBIT":"YieldMax Bitcoin Option Income ETF","CRPT":"First Trust SkyBridge Crypto Industry and Digital Economy ETF","MAXI":"比特币期货ETF-Simplify","BTRN":"比特币期货ETF-Global X","BETE":"等权重比特币&以太币期货ETF-ProShares","BITB":"比特币ETF-Bitwise","GBTC":"比特币ETF-Grayscale","BETH":"比特币&以太币期货ETF-ProShares","03439":"嘉实比特币"},"translate_title":"罢工比特币贷款取消保证金评级，增加14%年利率权衡","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"HODL":0.79,"CBTJ":0.9,"CRPT":0.9,"DAPP":0.9,"MSBT":0.9,"MBTmain":0.63,"ARKY":0.9,"GBTC":0.63,"BKCH":0.9,"BITW":0.9,"GDLC":0.9,"MAXI":0.9,"WGMI":0.79,"LFGY":0.9,"BITB":0.63,"BTCI":0.9,"NCIQ":0.9,"BTF":0.9,"03439":0.9,"ARKB":0.63,"FBTC":0.63,"STCE":0.9,"BRRR":0.9,"BITI":0.79,"BETH":0.9,"BITQ":0.9,"03008":0.9,"09042":1.5,"09008":1.5,"03042":0.9,"BTGD":0.9,"BITX":0.9,"BTFX":0.9,"09439":1.5,"IBIT":1.5,"BTCL":0.9,"MNRS":0.9,"BTCO":0.79,"BETE":0.9,"YBIT":0.9,"BTRN":0.9,"BEGS":0.9,"BTCZ":0.9,"YBTC":0.9},"content_text":"Strike has launched a Bitcoin-backed loan product built to remove margin calls and price-based liquidations.\n\n\nSummary\n\n\n\nStrike says its new Bitcoin-backed loans remove price liquidations while keeping payment duties in place.\nBorrowers avoid margin calls, but missed payments can still lead Strike to sell collateral.\nThe product targets Bitcoin holders who need cash but do not want forced selling.\n\n\n\nJack Mallers, Strike’s founder and chief executive, said the new product protects borrowers from forced selling when Bitcoin falls. He described the offer as a “volatility-proof” loan that lets users borrow dollars while keeping their BTC posted as collateral.\n\nIntroducing volatility-proof loans by @Strike: bitcoin-backed loans the price can never liquidate.No margin calls. No price liquidations. No matter how far bitcoin falls, your bitcoin doesn't move.Volatility is inevitable. Liquidation isn't. Borrow dollars. Keep the bitcoin. pic.twitter.com/U1DtEtt6Jm— Jack Mallers (@jackmallers) July 7, 2026\n\nThe launch follows Strike’s first Bitcoin-backed loan product, which arrived in May 2025. As previously reported, Strike issued more than $10 million in BTC-backed loans within two days of that launch.\nNo margin calls, but not risk-free\nThe new product removes price-triggered actions tied to loan-to-value levels. Mallers said, “No margin calls. No price liquidations. No matter how far bitcoin falls, your bitcoin doesn’t move.”\nThat structure differs from many crypto lending products, where a sharp price drop can force borrowers to add collateral or face liquidation. Strike says borrowers can keep their collateral untouched if they make payments on time.\nThe protection has limits. If a borrower misses an interest or maturity payment, Strike gives a 10-day window to pay or contact the company. If the borrower does not respond or settle the overdue amount, Strike may sell part of the Bitcoin collateral.\nMallers also warned users about the difference between price risk and payment risk. “That’s why we call it ‘volatility-proof,’ not ‘liquidation-proof,’” he said.\nHigher cost funds the protection\nThe new loan carries a higher cost than Strike’s standard Bitcoin-backed loans. The annual percentage rate can reach 14.2%, based on a 2.95 percentage-point premium above Strike’s standard loan range.\nStrike’s standard loan product has charged rates between 7.75% and 11.25%, depending on terms and payment choice. The “volatility-proof” version also uses a shorter six-month term and a maximum initial loan-to-value ratio of 45%.\nIn simple terms, a borrower who posts $100,000 in Bitcoin can borrow up to $45,000. The lower borrowing limit and higher rate give Strike more room to manage the risk of sharp BTC price moves.\nMallers said the added cost supports hedging. “The secret sauce is that we’re taking the extra charge that we’re giving you guys and we’re putting it on extra hedges in the market to protect all of us,” he said.\nBitcoin lending market searches for trust\nThe launch comes while crypto lenders keep testing ways to make Bitcoin-backed credit easier to use. A Ledn research report found that 88% of surveyed crypto holders would consider a crypto-backed loan, while only 14% currently use one.\nLedn and Protocol Theory called that gap a trust problem, not only a demand problem. Market volatility, fear of liquidation, and low confidence in lenders have limited wider use.\nOther firms also continue to build crypto-backed lending products. As crypto.news previously reported, Coinbase launched crypto-backed loans in the U.K. through Morpho on Base, allowing users to borrow up to $5 million in USDC against Bitcoin, Ethereum, and cbETH.\nStrike’s new product tries to address one of the main fears in Bitcoin lending: forced selling during market crashes. It does not remove repayment risk. Borrowers still need to pay on time, and the higher rate makes the product costly for users who need longer-term credit.\n\n\n\n\n\n                Read more:\n            \n\n                Secret Network may leave Cosmos for Arbitrum after bridge exploit","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":false,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"isLaohu8Offline":false,"tenantId":"TBGLOBAL","deviceId":"web-server-community-laohu8-v3","version":"4.45.2","shortVersion":"4.45.2","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2649208950","isCrawlerRequest":true}